90% LTV Mortgages

There are currently mortgage options if you have 10% equity or a 10% deposit.

The good news is that through our partners, we can access lenders who will consider a 90% LTV mortgage.

How To Get A 90% LTV Mortgage

Not all lenders offer 90% loan-to-value (LTV) mortgages and those that do have set criteria for determining whether they are happy to lend on this basis.

Things to be mindful of include:

• Lenders will charge you a higher interest rate on your mortgage if you only have a 10% deposit. Increasing your deposit to 15% will help lower the cost of borrowing.

• While some lenders will be happy to lend if you have a 10% deposit, their decision will be based on affordability criteria, such as your income, previous credit record, and the amount you wish to borrow.